Restaurant Insurance is a package of insurance covers designed to meet the needs of most restaurants, whether licensed or unlicensed. Some overnight accommodation can insured under this type of policy but a Guesthouse or Hotel Insurance Package may be more suitable.

Because of the reduced risk of a liability claim these policies tend to have a more simple rating structure that is based around the property values at risk and so they are simple to rate and available at competitive prices.

Under this type of policy we tend to promote cover on an ‘Accidental Damage’ basis but some insurers still only offer ‘Standard Cover’ with any ‘Accidental Damage’ cover being an optional extra. When asking for a quotation it would be helpful to know which basis of claims settlement you would prefer.